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PNC Bank vs. Wells Fargo mortgages

Both offer low down payment options, but one lender is better for commercial property buyers.

How do PNC Bank and Wells Fargo compare?

PNC Bank logo
Wells Fargo logo
  • Choose this lender for low down payment options
  • Watch out for poor customer service
  • A good option for commercial real estate loans
  • Choose this lender for down payments as low as 3%
  • Watch out for hidden fees and scandals
  • A good option for borrowers who want to automate their payments

Loans offered

  • Conventional
  • Refinance
  • Jumbo
  • HELOC
  • FHA
  • VA
  • USDA
  • Conventional
  • Refinance
  • Jumbo
  • HELOC
  • FHA
  • VA
  • USDA

Minimum credit score

Conventional: 620

Conventional: 600

States available

Available in all states

Available in all states

Pros

  • Multiple loan choices
  • Low down-payment options
  • Online application tracking
  • Low down payment
  • Use gift funds
  • Easy application process

Cons

  • Limited branch locations
  • Customer complaints
  • Fees
  • Slow customer service

Customer reviews

PNC isn't credited with the Better Business Bureau (BBB), but receives an A- rating from it as of September 2019. On average, customers give PNC a low 1 out of 5 stars on the BBB site. Of the over 1,500 complaints on the BBB website, only two are unanswered and one is unresolved. Many customers report having issues with customer service, unexpected fees and poorly handled fraud cases.
Reviews for this lender are mixed, but trend toward negative. First-time homebuyers recommend Wells Fargo for its thorough guidance through the home loan process. Other borrowers praise its mortgage specialists for their professionalism and helpful advice over the phone. Of the complaints, the most frequent was of customer service's slow response time and the excessive documents needed to assess loan applications. As of February 2022, Trustpilot gives Wells Fargo a rating of 1.3 out of 5 stars based on 674 ratings. The Better Business Bureau doesn’t give Wells Fargo a rating, but it gets a customer score of 1.07 out of 5 stars based on 505 reviews, and the BBB has recorded over 1,712 complaints closed in the last year alone.

Compare mortgage lenders

Compare top brands by home loan type, state availability and credit score. Select See rates to provide the lender with basic property and financial details for personalized rates.

Disclaimer: The partners on Finder's mortgage comparison tables are sorted in alphabetical order.

1 - 4 of 4
Name Product Loan products offered State availability Min. credit score
Figure
Not rated yet
Figure
HELOC
Not available in: DE, HI, KY, NY, TX, WV
640
Speedy prequalification, minimal fees and a wide range of loans and terms with this HELOC lender.
Quicken Loans
Finder Rating: 4.34 / 5: ★★★★★
Quicken Loans
Conventional, Jumbo, FHA, VA, Refinance
Available in all states
620
Streamline your mortgage from quote to final payment — all from your computer or phone.
Rocket Mortgage
Not rated yet
Rocket Mortgage
Conventional, Jumbo, FHA, VA, Refinance
Available in all states
620
Apply online for free and lock in your rate for 90 days.
Veterans United
Not rated yet
Veterans United
Conventional, FHA, VA, USDA, Jumbo, Refinance
Available in all states
620
Veterans United stands out from other lenders for its focus on serving the military community.
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